評論
打印
New Words
新單詞
anxious adj.
擔心的，焦急的
available adj.
可用的，可得到的
option n.
選擇權
maturity n.
（票據等的）到期
emergency n.
緊急
mature v.
到期
Phrases & Expressions
短語
regular savings account
普通儲蓄帳戶
time deposit
定期存款
time certificate of deposit
定期存款單
the stated interest return
規定所歸還的利息
W:Liu Bing, I have two thousand yuan for the cost of this term,
王琳：劉萍，我從家帶來2000元供這一學期的生活費，
enough to last from now until summer vacation.
維持到暑假看來已足夠。
I feel anxious about carrying around such a large sum. What should I do?
帶著這么多錢我覺得不放心，我該怎么辦？
L:Let me think. You can deposit one half as regular savings accounts and another half as time deposits.
劉萍：讓我想想。你可以拿其中一半作為活期存款，另一半作為定期存款。
W:That's a good idea. Will they earn a similar rate?
王琳：這主意很好。那么存款利率是否一樣呢？
L:The interest rate for time deposits is much higher than regular savings account.
劉萍：定期存款的利率要比活期存款高得多。
W:How long do I have to keep the money in the account?
王琳：那么我的定期存款應該多長呢？
L:The savings banks offer a choice of three, six or twelve - month maturities in most cases.
劉萍：儲蓄所在在大多數情況下備有三種定期存款，即分三個月，半年和一年。
They also offer Time Certificate of Deposit in two-, three-, five or ten- year terms.
另外，他們還提供2年，3年，5年或10年的長期定期存款。
W:For us only the short-time deposits are available. Does the rate go up depending on how long you keep the certificate?
王：對我們來說，短期存款合適。是否存款時間越長利率也就越高呢？
L:Yes, of course. It would seem that three month time deposits are the best option for you.
劉：是的，那當然啦。看來對你來說三個月的定期存款是最好的選擇。
W:I agree with you. Tomorrow, let's go to the bank to deposit my money.
王：我同意你的看法，明天咱們倆就去銀行存款。
L:Yes, I want to deposit mine, too.
劉：好，我自己也要去存款。
W:What maturities are the most popular?
王琳：哪一種期限最普遍？
L:Most people use the six or twelve-months plans, of course,
L：大部分人都選用半年或一年的期限。當然啦，
they may renew the certificate on maturity if they wish.
到期后人們還可以續存。
W:What if the customer needs the money for an emergency before the certificate matures? Can he get it out?
王：假如存款人由于急用要提前取款，那又如何處理呢？他能否把款提出呢？
L:Yes, of course, he can withdraw his money by cashing in his certificate before the maturity date if necessary.
劉：當然可以，在必要的情況下可以在到期之前提前取款。
W:What will happen?
王：那情況會怎樣？
L:He just won't receive the stated interest return.
劉：他就不能拿到預先規定的定期利息。
W:What a loss!
王：那真可惜！
L:So if you want to have a high rate of return, don't withdraw your cash before the end of the certificated period.
劉萍：所以你想要獲得較高的利息就不要在到期之前提取存款。
W:Good idea.
王：好主意。
